基于多元职能论的保险发展对经济增长贡献的实证检验

Empirical Study on the Contribution of Insurance Development to the Economic Growth Based on the Multifunction Theory

基于保险的多元职能论,本文利用1982-2011年的中国经济保险数据,对多个保险职能对经济增长的作用机制进行了实证检验。实证研究结果表明,保险通过发挥其多种职能对经济增长有正面积极影响,其中保险经济补偿职能发挥的作用最先显现,但在贡献程度和持续效应上不如保险资金融通职能,后者对经济增长有明显推动作用,且持续稳定增强。

Based on the insurance multifunction theory, this paper analyzes the effect of insurance functions on the eco- nomic growth theoretically and carries out an empirical study by using related data of China＇s economy and insurance from 1982 to 2011. The econometric results show that insurance development has a positive effect on economic growth with the compensa- tion function appearing first, but it has less contribution and duration than the financing function which has continual signifi- cant pushing to economic growth.